Clean Slate prominently features a guarantee of “640 or free,” meaning that it guarantees that its customers will obtain a FICO score of 640 or better through its services. Along with the gimmicky slogan, Clean Slate spells out the requirements it makes of its customers: pay down their debts and/or establish new credit. In exchange for these demands and a monthly fee of $99.00 or four payments of $199, Clean Slate essentially peppers your creditors with paper – demand letters for specifics about derogatory items, demands for removal of unauthorized ...
credit requests (aka “hard” credit pulls) and a dedicated credit counselor. Some of Clean Slate's tactics seem sketchy, for instance, continuing to question credit reports even when disputed items have been verified as accurate. Others actually seem quite clever – if you have the money, for example, leveraging $1,000 to obtain three secured loans, which, when paid off will raise your credit score. Clean Slate also offers a free e-book (for which you must submit an email address and phone number) which serves more to emphasize how much effort is involved in cleaning up your own credit than in allowing a firm such as theirs to do the job for you.